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Phoenix!!!! ppt

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  • 1. PHOENIX!!!!
    LOUISA RAITT
    NIKITA DARYANANI
  • 2. Taxation: Louisa
    Annual Salary= $50,000.00
    FICA= 7.65%---$3,825.00
    State Income Tax= 3.36%---$1,680
    Federal Income Tax= $6,338.00
    Louisa's Adjusted Income
    $38,157.00
  • 3. Taxation: Nikita
    Annual Salary= $40,000.00
    FICA= 7.65%---$3,060.00
    State Income Tax= 3.36%---$1,344.00
    Federal Income Tax= $4,175.00
    Nikita's Adjusted Income
    $31,421.00
  • 4. Saving: Louisa
    Annual Saving(10% off adjusted income)= $3,815.70
    $900 in Bank of America Checking account
    $1,415.7 savings account at Bank of America (0.05% APY)
    $1,500 In Growth Money Market Savings Account (APY is Tiered, based on balance with additional bonus rate)
    Annual Tithe= $1,907.85
    Adjusted Income Now
    $32,433.45
  • 5. Saving: Nikita
    Annual Saving (8% off adjusted income) = $2,513.68
    $700 in Bank of America Checking account
    $1713.68 in savings account at Bank of America (.05% APY)
    $1000 in Growth Money Market Adjusted Income Now
    $28,907.32
  • 6. Housing
    VaseoAppartments
    16220 N. 7th St.
    Phoenix, AZ 85022
    1 Year lease
    $1500 deposit
    Rent= $680 per month/ 2 people
    -->$340 per month per person Rent
    -->$4080 per year per person Rent
    --> Renter’s Insurance: Liberty Mutual= $25 per month= $300 per year per personRent+Deposit+Insurance= $5130.00
    Cascade Floorplan
  • 7. Housing Continued (Features)
    Clubhouse
    Covered Parking
    Emergency Maintenance
    Extra Storage
    Fitness Center
    Green Community
    High Speed Internet Access
    Hot Tub
    Public Transportation
    Swimming Pool
    Tennis Court(s)
    Trail, Bike, Hike, Jog
    Four Resort Style Pools & Relaxing Spas
    Yoga & Spin Room
    Spectacular Movie Theater
    Billiards Room
    Water Machines
    BBQ Grills with Picnic Areas
    24-Hour Maintenance Response
    Lush Landscaping with Streams & Waterfalls
    ‍Apartment Features
    Air Conditioning
    Balcony
    Ceiling Fan(s)
    Dishwasher
    Fireplace
    Microwave
    New/Renovated Interior
    Oversized Closets
    Stainless Steel Appliances
    Washer & Dryer In Unit
    ‍Special Features
    Pets Accepted
    Dogs-Dogs under 50lbs allowed. Only 2 Pets per Apartment.
    ‍Community Features
    Accepts Credit Card Payments
    Accepts Electronic Payments
    Basketball Court(s)
    Business Center
  • 8. Housing Continued
  • 9. Healthcare
    LOUISA & NIKITA
    Calendar-year deductible: $5000
    Co-Insurance: 80/20
    Copay: $30 Doctor, $50 Specialist
    Monthly Premium: $112.02 => $1344.24 a year
  • 10. Transportation
    Both buying used cars from the Tucson CarMax Dealership
    $149 to transfer each car to the Phoenix CarMax Dealer
    Gas Prices current prices in Phoenix ranging $3.45-$3.57 per gallon
    Nikita’s Gas Prices: 13.2 Gallon Tank- $94.25 per month x 12 months = $1,131.00
    Louisa’s Gas Prices: 19 Gallon Tank- $166.25 per month x 12 months = $1,995.00
    Louisa’s Car
    Nikita’s Car
  • 11. Transportation= Cars
    LOUISA
    NIKITA
    2009 Jeep Wrangler X 2D Sport Utility
    Vehicle price= $20998.00
    Tax, Title, Tags Fee=$2,275.00
    Down payment amount= $2,000.00
    Finance rate (APR) = 4%
    Contract length = 60 Months (5 Years)
    Amount financed= $21,273
    Estimated monthly payment= $391.77
    Insurance: Esurance =Monthly premium= $103.13
    Transfer+ Down+ Monthly+ Gas+ Insurance=$8,845.24 (per year)
    2006 MINI Cooper 2D Hatchback
    Vehicle price= $16,988.00
    Tax, Title, Tags Fee =$2,275.00
    Down payment amount= $2,000.00
    Finance rate (APR) = 4%
    ‍Contract length= ‍60 months (5 Years)
    Amount ‍financed= $16,823.00
    Estimated monthly payment= $310.00
    Insurance: Esurance= Monthly premium=$159.94
    Transfer+ Down+ Monthly + Gas+ Insurance=
    $7,001.00 (per year)
  • 12. Utilities
    Electric with AC: $150 per month on average (50-60 during winter and 160-200 during summer)
    Gas: $50
    Water: $50
    Phone: cell phones only - no landline
    Both will remain on their current family plans and pay their parents monthly (Louisa pays=$60 Nikita pays= $30 each month)
    Internet: free WiFi within entire apartment complex
    Louisa: $310 a month, $3,720 a year
    Nikita: $280 a month, $1,860 a year
  • 13. Food!!!
    Eating out: $150 a month
    House groceries (2 people)= $300 a month
    $150 monthly per person
    Household supplies (2 people)= $300 monthly
    $150 monthly per person
    TOTAL: $450 per person per month= $5400 per person per year
  • 14. Extras: Meet CRUZ!!!!!!
    Adoption: $150
    Petsmart:
    Fabric and Fleece Dog Bed-PetSmart$16.95
    Flee medication= $201.98 per year
    Dog Food: $15 for a 4lb bag --> $60 per year
    Leash and Collar: $9:99= collar, 14.99=leash
    Toys: ~ $20
    DOG: Cruz's total cost ~$475.00
    $237.50 per person per year
  • 15. Other Extras
    Netflix= $96 a year= $48 per person a year
    Going Out (movies, shopping, museums, bowling, going out with friends)= $80 per week per person = $4160 per person per year
    Hair and Nails (per year):
    Nikita:Louisa:
    Hair=$120 Hair=$360
    Nails= $240 Nails=$420
  • 16. What's left??!?!??
    Louisa has $773.47 remaining and will put that remaining money into her regular savings account
    Nikita has $2,235.58 remaining and will put that remaining money into her regular savings account